Natural hazards · Humboldt

Humboldt, MN natural hazards

Most of the natural-hazard damage FEMA expects in Humboldt comes from inland flooding, and overall the risk is very high for a U.S. community. 3 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Humboldt?

Very high

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Humboldt to be higher than in 80% of U.S. communities, mostly from inland flooding.

Inland flooding70%Cold waves13%Tornadoes5%Everything else12%

By hazard

What Humboldt faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

70% of expected damage

Well above average · higher than 92% of U.S. places

Recorded about 2 times a year in the area

Cold waves

13% of expected damage

Above average · higher than 73% of U.S. places

Recorded about 18 times a year in the area

Tornadoes

5% of expected damage

Well above average · higher than 82% of U.S. places

Recorded about once every 6 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightning

Not a risk here

Coastal floodingHurricanesDroughtAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Humboldt flood?

FEMA's records show no paid flood insurance claims in Humboldt.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Humboldt isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Clay County.

Disasters that hit Humboldt

3 federal disasters brought FEMA money here

Disasters the President declared that paid out in Humboldt itself: aid to households, or repair grants to the Township of Humboldt.

Brought FEMA money into HumboldtDeclared for Clay County only

2011

Severe Storms and Flooding

$7K to the Township of Humboldt for repairs

2009

Severe Storms and Flooding

$7K to the Township of Humboldt for repairs

2001

Severe Winter Storms, Flooding, and Tornadoes

$17K to the Township of Humboldt for repairs

Clay County has had 25 natural disasters declared since 1953, most often floods and severe storms.

Around Humboldt

Humboldt and the towns around it

Very lowLowModerateHighVery high

Humboldtmostly inland floodingVery high

Barnesvillemostly inland floodingVery high

Tansemmostly inland floodingVery high

Barnesvillemostly inland floodingVery high

Skreemostly inland floodingVery high

Prairie Viewmostly inland floodingHigh

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Humboldt is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Humboldt’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Township of Humboldt. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.